Call reports 2015
HOLBROOK CO-OPERATIVE BANK — 2015
What HOLBROOK CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,550,000 | 94,387,000 | 95,007,000 | 104,139,000 |
| Total loans | 72,460,000 | 69,793,000 | 75,692,000 | 76,893,000 |
| Allowance for loan losses | 663,000 | 630,000 | 634,000 | 694,000 |
| Securities available for sale | 9,240,000 | 8,871,000 | 8,713,000 | 6,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,946,000 | 81,908,000 | 82,411,000 | 91,510,000 |
| Interest-bearing deposits | 69,230,000 | 68,580,000 | 67,671,000 | 68,019,000 |
| Noninterest-bearing deposits | 11,716,000 | 13,328,000 | 14,740,000 | 23,491,000 |
| Equity capital | 8,972,000 | 8,970,000 | 9,067,000 | 9,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 832,000 | 1,635,000 | 2,497,000 | 3,397,000 |
| Interest expense | 56,000 | 112,000 | 168,000 | 224,000 |
| Net interest income | 776,000 | 1,523,000 | 2,329,000 | 3,173,000 |
| Noninterest income | 69,000 | 220,000 | 305,000 | 441,000 |
| Noninterest expense | 839,000 | 1,622,000 | 2,473,000 | 3,225,000 |
| Provision for loan losses | 0 | 0 | 0 | 63,000 |
| Pretax income | 40,000 | 155,000 | 195,000 | 407,000 |
| Income tax | 5,000 | 43,000 | 53,000 | 128,000 |
| Net income | 35,000 | 112,000 | 142,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,667,000 | 8,970,000 | 8,591,000 | 8,726,000 |
| Total capital | 9,330,000 | 9,600,000 | 9,225,000 | 9,420,000 |
| Risk-weighted assets | 61,501,000 | 59,175,000 | 64,529,000 | 67,971,000 |